Baker Hughes
Houston, TX · Charter 16271 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
$11.2MAssets
$1.3MLoans
$9.8MShares
$1.4MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 40% of credit unions under $1B in assets in TX (rank 140 of 235).
- Widest gap: efficiency ratio trails 97% of credit unions under $1B in assets in TX (rank 229 of 235).
- Overall: at or above the peer median on 0 of 7 directional measures.
Return on Assets
-0.77%
Rank 221 of 235
Net Interest Margin
3.44%
Rank 164 of 235
Efficiency Ratio
119.09%
Rank 229 of 235
Equity / Assets
12.77%
Rank 140 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.77% | 0.17% | 0.57% | 1.10% | Beats 6% | 221 / 235 | |
| Return on Equity | -6.00% | 1.03% | 4.30% | 7.58% | Beats 4% | 225 / 235 | |
| Net Interest Margin | 3.44% | 3.32% | 3.89% | 4.35% | Beats 30% | 164 / 235 | |
| Efficiency Ratio | 119.09% | 70.60% | 82.00% | 91.57% | Beats 3% | 229 / 235 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.83% | 0.20% | 0.59% | 1.14% | Beats 33% | 158 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.77% | 11.30% | 14.41% | 19.49% | Beats 40% | 140 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.77% | 11.30% | 14.41% | 19.49% | Beats 40% | 140 / 235 | |
| Liquidity & Funding |
| Loans / Deposits | 13.53% | 54.18% | 67.38% | 81.66% | 0th pctl | 235 / 235 | |
| Loans / Assets | 11.77% | 43.80% | 56.63% | 68.64% | 0th pctl | 235 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |